Your Finances

1 Understanding Credit Costs

2 What Your Credit Score Means

3 Understanding Your Debt Load

4 Working with Creditors

5 Understanding Your Credit Report

6 Paying Off Debts with the Snowball Strategy

7 About Those Interest-Free Offers

8 The Avalanche Debt Repayment Method

9 Using a Personal Line of Credit

10 How Loan Amortization Works

11 The Fair Credit Reporting Act

12 Should You Transfer Account Balances?

13 Secured vs. Unsecured Loans

14 Add to Your Monthly Payment and Save Money

15 Consumer Reporting Agencies

16 Calculating Annual Percentage Rates

17 Living a ‘Credit-Free’ Life

18 The Fair Debt Collection Practices Act

19 Consolidating Your Debt

20 Good Debt, Bad Debt

21 Cosigning a Loan

22 Refinancing an Auto Loan

23 Boosting Your FICO Score

24 After You’ve Paid Off Your Credit Cards

25 Meet a Debt Payoff Goal

26 Compare Vehicle Loans by Term

27 Compare Two Vehicle Loans

28 Are Credit Card Balance Transfers Worth It?

29 Increase Your Monthly Payment

30 Make Bi-Weekly Payments

31 Save or Pay Off Debt?

32 Use a Lump Sum to Pay Down Debt

33 Debt Consolidation

34 How Long Will it Take to Pay Off a Credit Card?

35 Low Rate or Cash Back?

36 Calculate a Vehicle Payment

37 Avoiding the Minimum Payment Trap

38 The Best Time to Buy

39 Buying or Leasing a Vehicle

40 Comparing Products Online

41 Taking a ‘Staycation’

42 Can Credit Counseling Help?

43 Gas Mileage Savings with a Fuel Efficient Vehicle

44 Purchase or Lease a Vehicle

45 Making a Major Purchase

46 Vehicle Affordability by Loan Term

47 Understanding Car Leases

48 The Pros and Cons of Retail Credit

49 Extended Warranties & Service Contracts

50 How Overspending Can Derail a Budget

51 Tracking what You Spend

52 Curing Bad Overspending Habits

53 Managing Debt

54 Loan Basics

55 Debt Payoff Strategies

56 Grocery Shopping Tips for Singles

57 Protect Yourself from Predatory Lenders

58 Building a Credit Reputation

59 Use a Side Hustle to Pay Off Debt

60 Smart Purchases to Make on Credit

61 Your Annual Credit Report Review

62 Maximizing Credit Card Rewards

63 Choosing a Credit Card

64 Good Reasons to Borrow Money

65 Accelerating Repayment on a Loan

66 Evaluating Credit Card Reward Programs

67 Alternatives to Pay Day Lenders

68 Vehicle Financing Options

69 Prioritizing How You Repay Debt

70 The Pros and Cons of Loan Protection Insurance

71 Are Credit Repair Services Worth It?

72 Working Through Credit Issues with a Spouse

73 The Ins and Outs of Credit Scores

74 Disputing a Credit Card Transaction

75 What Is a Credit Reference?

76 Making Only Minimum Payments

77 How Many Credit Cards Should You Have?

78 Lower Your Credit Card Rate

79 How Credit Card Utilization Impacts Your Credit Score

80 Understanding Credit Card Interest

81 Why Your Credit Utilization Ratio Matters